Company Profile - BANK OF AYUDHYA PUBLIC COMPANY LIMITED

Company Profile BANK OF AYUDHYA PUBLIC COMPANY LIMITED

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BANK OF AYUDHYA PUBLIC COMPANY LIMITED

Sustainability Development Ranking

CG Score ^1/

CG Score

AGM Level ^2/

AGM Score

Thai-CAC ^3/

Thai CAC ^3/
Certified

Thailand Sustainability Investment ^4/

Thailand Sustainability Investment
THSI (SET)

Ranking by Industry

Business ^4/

Business

The Bank of Ayudhya PCL is Thailand?s fifth-largest universal bank by assets, loans, and deposits, and is a strategic member of the Mitsubishi UFJ Financial Group (MUFG), Japan?s largest financial group, and among the world?s largest. The Bank and our 20 subsidiaries (Krungsri Group) constantly strive to meet the ever-changing needs of our broad customer base by offering a comprehensive range of universal banking products and services to key target groups: commercial banking (Thai, Japanese, multinational corporations, and SMEs) and retail customers. We also provide related financial services through our subsidiaries and joint ventures, including wealth management, credit cards, non-life insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance, and installment loans. As of year-end 2018, The Bank boasted total registered capital of 75,741 million baht, and 73,558 million baht in paid-up capital.

Top 10 Major Shareholders(@09 May 2019)		Share	%
1.	MUFG BANK,LTD. BAY ACCOUNT	5,655,332,146	76.88
2.	บริษัท สตรองโฮลด์ แอสเซ็ทส์ จำกัด	166,536,980	2.26
3.	บริษัท ทุนมหาโชค จำกัด	166,478,940	2.26
4.	บริษัท จี แอล แอสเซทส์ จำกัด	166,414,640	2.26
5.	บริษัท บีบีทีวี แซทเทลวิชั่น จำกัด	166,151,114	2.26
6.	บริษัท บีบีทีวี แอสเซตแมเนจเมนท์ จำกัด	163,112,900	2.22
7.	บริษัท กรุงเทพโทรทัศน์และวิทยุ จำกัด	160,789,220	2.19
8.	บริษัท มหากิจโฮลดิ้ง จำกัด	158,726,810	2.16
9.	บริษัท ทุนรุ่งเรือง จำกัด	157,889,440	2.15
10.	บริษัท ซุปเปอร์ แอสเซทส์ จำกัด	51,421,714	0.70

Business

Company Profile ^4/

Field name	Detail
Address	1222 RAMA III ROAD, BANGPHONGPHANG, YAN NAWA Bangkok10120
Phone	0-2296-2000, 0-2683-1000
Fax	0-2683-1304
URL	www.krungsri.com

Contact Person

Contact	Contact Name
ฝ่ายผู้ลงทุนสัมพันธ์	-
เลขานุการบริษัท	นางธิดารัตน์ เศรษฐวรวิจิตร

Company News

Information Disclosure

Other Information

Financial Statements (Concise Version) ^5/

Full Version

Statement of Comprehensive Income (MB.)	3M/2019 (01/01/19 -31/03/19)	3M/2018 (01/01/18 -31/03/18)	2018 (01/01/18 -31/12/18)	2017 (01/01/17 -31/12/17)	2016 (01/01/16 -31/12/16)
Interest & Div. Income	27,488.40	25,524.73	107,131.78	94,997.81	85,924.55
- Loans	-	-	-	-	-
Interest Expense	8,076.52	7,502.26	31,803.44	26,463.00	23,947.86
- Deposits	-	-	-	-	-
Net Interest & Div Income	19,411.88	18,022.47	75,328.34	68,534.81	61,976.70
Bad Debt & Doubtful Acct.	6,036.96	6,326.47	24,463.64	21,508.17	20,528.64
Loss on Debt Restructuring	311.69	356.55	1,716.46	1,512.32	785.89
Non-Interest Income	2,016.52	1,889.78	7,501.24	6,839.34	1,773.51
Fees & Service Income	7,309.94	7,206.78	28,999.35	26,340.62	24,141.66
Gain on Investments	-	-	-	-	-
Gain on Exchange	-	-	-	-	-
Non-Interest Expenses	14,221.48	12,398.80	51,740.61	48,209.95	43,079.98
- Personnel Expenses	7,951.46	6,538.61	26,286.52	24,437.91	21,333.84
- Premises & Equip Expenses	2,077.59	2,096.58	8,419.60	8,248.12	7,355.73
- Fees & Service Expenses	2,014.33	1,886.75	7,751.46	6,665.53	5,967.02
- Loss on Investments	-	-	-	-	-
- Loss on Exchange	-	-	-	-	-
Net Income before Tax	16,175.78	7,804.98	31,658.44	29,299.54	27,092.28
Net Profit	12,736.75	6,214.57	24,812.64	23,209.27	21,404.03
EPS (B.)	1.73	0.84	3.37	3.16	2.91

Statement of Cash Flow (MB.)	3M/2019 (01/01/19 -31/03/19)	3M/2018 (01/01/18 -31/03/18)	2018 (01/01/18 -31/12/18)	2017 (01/01/17 -31/12/17)	2016 (01/01/16 -31/12/16)
Operating Cash Flow	-809.68	-39,030.97	35,284.53	-17,552.75	-6,157.84
Investing Cash Flow	16,965.10	6,350.22	-55,121.31	43,822.55	-31,355.82
Financing Cash Flow	-18,217.76	28,387.27	18,568.98	-23,807.11	41,512.23
Net Cash Flow	-2,062.34	-4,293.49	-1,267.80	2,462.70	3,998.57

Statement of Financial Position (MB.)	3M/2019 (01/01/19 -31/03/19)	3M/2018 (01/01/18 -31/03/18)	2018 (01/01/18 -31/12/18)	2017 (01/01/17 -31/12/17)	2016 (01/01/16 -31/12/16)
Cash	32,791.51	33,604.08	34,679.45	38,244.20	36,142.43
Interbank & Money Mkt.	289,534.94	393,281.65	245,553.37	330,797.38	200,283.42
Investment Net	147,013.96	80,060.13	137,369.01	86,156.90	133,701.21
Net Loans and Accured Int.	1,650,813.77	1,518,698.81	1,614,984.19	1,498,845.38	1,403,284.83
- Loans & Receivables	1,790,203.14	1,646,441.00	1,749,254.18	1,619,357.88	1,506,222.33
- Allowance for Doubtful Acct	61,858.74	57,204.23	59,790.57	54,172.85	48,273.62
Assets Forclosed-Net	3,360.67	3,519.98	3,478.36	3,684.84	4,256.25
PP&E Net	25,754.91	26,107.78	26,238.75	26,401.17	25,221.07
Total Assets	2,241,329.93	2,160,228.33	2,173,622.38	2,088,772.07	1,883,188.20
Deposits	1,465,377.00	1,369,427.23	1,426,348.22	1,319,228.95	1,108,287.93
Borrowings	137,475.99	171,258.94	155,649.79	142,866.15	160,325.73
- ST-Borrowing	-	-	-	-	-
Total Liabilities	1,984,505.39	1,928,136.19	1,929,904.10	1,862,784.84	1,674,420.20
Authorized Capital	75,741.44	75,741.44	75,741.44	75,741.44	75,741.44
Paid-Up Capital	73,557.62	73,557.62	73,557.62	73,557.62	73,557.62
- Preferred Shares	-	-	-	-	-
- Ordinary Shares	73,557.62	73,557.62	73,557.62	73,557.62	73,557.62
Premium (Discount) On Share Capital	52,878.75	52,878.75	52,878.75	52,878.75	52,878.75
Other Surplus (Deficit)	-	-	-	-	-
Retained Earnings (Deficit)	126,833.29	101,476.14	114,049.82	95,197.54	77,680.13
Treasury Stock	-	-	-	-	-
Shareholders' Equity	255,665.29	231,162.68	242,637.06	225,130.51	208,179.34
Minority Interest	1,159.25	929.46	1,081.23	856.72	588.67

Accumulated: Turnover Ratio, Value Trade/Day
Statistics	YTD 15 Jul 2019	2018 28 Dec 2018	2017 29 Dec 2017
Listed share (M.)	7,355.76	7,355.76	7,355.76
Market Cap (MB.)	281,357.89	281,357.89	292,391.53
Price (B./share)	38.25	38.25	39.75
BVPS (B./Share)	34.76	32.19	29.81
P/BV (X)	1.10	1.19	1.33
P/E (X)	8.98	11.54	12.89
Turnover Ratio (%)	0.51	2.95	1.31
Value Trade/Day (MB.)	10.88	39.49	15.13
Beta	0.60	0.87	0.76

Rate of Return	YTD	2018	2017
Price Change (%)	0.00	-3.77	-0.62
Dividend Yield (%)	2.22	2.22	2.14
Payout Ratio	0.20	0.26	0.28
Dividend Policy	The Bank will determine dividend payment by taking into consideration capital adequacy as the first priority and other factors inctuding the actual operating results, returns to shareholders and regulatory requirements (with additional conditions)

¹CG Score 2018 from Thai Institute of Directors Association (IOD)
²AGM Level 2018 from Thai Investors Association
³Companies participating in Thailand's Private Sector Collective Action Coalition Against Corruption programme (Thai CAC) under Thai Institute of Directors (as of November 30, 2018) are categorised into:

companies that have declared their intention to join CAC, and
companies certified by CAC.

⁴The Stock Exchange of Thailand : the record of listed companies with corporate sustainable development "Thai sustainability Investment 2018" included:

SET and mai listed companies passed the assessment conducted by the Stock Exchange of Thailand: THSI (SET) and THSI (mai)
SET listed companies passed the assessment conducted by the Dow Jones Sustainability Indices (DJSI)

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